It report brings lenders detailed information toward applicant’s creditworthiness situated towards past and you can newest credit choices

  • Amount of tough enquiries made by possible loan providers on the bill of the mortgage/bank card software
  • Ideas from previous and you will newest money as well as the payment listing
  • One defaults to your loan
  • The details out-of compensated funds, or no
  • Total credit limit together with amount spent month-to-month (Borrowing Utilisation Ratio)
  • Any charge card fee defaults
  • Credit score

In line with the statement, loan providers make the lending choice.

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